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Tenants
Contents Insurance
Policy Wording
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Tenants Contents
Insurance Policy Terms
& Conditions
Thank you for choosing Total Landlord Insurance for your Tenants Contents Insurance policy.
This booklet and your Schedule together contain your full policy terms and conditions. It is a legal document that you must read to ensure that you understand what your cover includes and what it does not.
If you have any questions or concerns please get in touch. We would be happy to hear from you.
Call: 0345 310 6300
Click: www.totallandlordinsurance.co.uk
Email: tenantscontents@totallandlordinsurance.co.uk
Our Promise to You
Providing you with the highest quality specialist insurance at the best level of service in every communication.
Our Values
We have a simple but powerful set of values that guide what we do and how we do it:
• Knowledge, Education and Understanding • Teamwork
• Commitment • Excellence
• Consistency and Respect • Success
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Introduction to
Total Landlord
Insurance Tenants
Contents Insurance
Welcome to Total Landlord Insurance Tenants Contents Insurance.
This insurance is a contract of indemnity between You and Royal
and Sun Alliance Insurance plc. The contract of insurance is
made up of this booklet and the Schedule and is based on the
information You provided at the time You requested a quotation.
In return for payment of the premium shown in the Schedule,
We agree to insure You against loss or damage You sustain or
legal liability You incur for accidents happening during the Period
of Insurance shown in the Schedule. The insurance is provided under the terms and conditions contained in this booklet or in any
Endorsement shown in Your Schedule as applying to this insurance. Thank You for choosing Total Landlord Insurance Tenants Contents Insurance.
Our Service
Commitment to You
Our aim is to ensure that all aspects of Your insurance are dealt
with promptly, efficiently and fairly. At all times We are committed
to providing You with the highest standard of service.
What to do if You
have a complaint
Total Landlord Insurance is committed to delivering high quality customer service. Our aim is to get it right, first time, every time. If we make a mistake we will try to put it right promptly. We will
always confirm receipt of Your complaint within 5 working days
and aim to resolve Your complaint within 8 weeks. If we cannot
resolve Your complaint within this time we will let You know when
You can expect the matter to be resolved.
Step 1
If You have a complaint or any issues over the handling of Your
policy or claim, let Total Landlord Insurance know and we will do our best to find a satisfactory resolution as soon as possible.
The Business Delivery Director
Total Landlord Insurance, Premiere House, 1st Floor,
Elstree Way, Borehamwood, WD6 1JH
Call:0345 310 6300
Email:complaints@totallandlordinsurance.co.uk
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Step 2
If You remain dissatisfied You can contact the insurer’s complaint
team who will try to resolve the matter with You. Please direct all
correspondence
to:-Customer Relations Team, RSA, PO Box 2075, Livingston, EH54 0EP
Tel:0800 107 6161
Fax:01422 325 227
Email:crt.halifax@uk.rsagroup.com
Step 3
Complaints that cannot be resolved by the insurer’s complaint team may be referred to the Financial Ombudsman Service. Further details will be provided at the appropriate stage of the complaint process. In all communications the certificate number appearing in the
schedule should be quoted.
Your right to take legal action against us is not affected by
referral to either the insurer’s complaint team or the Financial Ombudsman Service.
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Contents
Important notice & cancellation of this Insurance 6
Notice to the Insured 8
Your total peace of mind 9
Definitions 10
General Conditions applicable to the whole of this Insurance 12
General Exclusions applicable to the whole of this Insurance 14
Making a Claim & Claims Conditions 16
How We deal with Your Claim 17
Section 1 - Contents 18
Section 2 - Accidents to Domestic Staff 22
Section 3 - Legal Liability to the Public 23
Section 4 - Valuables and Personal Possessions 24
Section 5 - Pedal Cycle Cover 26
Endorsements 27
Notes 32
Claims helpline
How to make a claim under this Insurance
Naturally we hope You won’t have any accidents or misfortune,
but if You do and wish to make a claim under this insurance please
contact the Total Landlord Insurance Tenants Contents Claims Service as soon as possible.
Total Landlord Insurance Tenants Contents Claims Service St Marks Court
Chart Way Horsham RH12 1RZ
Calls from Mobile phones: 01403 321 364 Calls from Land Lines: 0845 0000 825 Email: hfis@gbtpa.com
The Claims Service is available 24 hours
a day 365 days a year.
At the time of making a claim, you will be asked
for:-• The policy number stated on YourSchedule;
• Full details of the claim.
Important notice
This insurance relates ONLY to those sections which are shown in the Schedule as being included.
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It is important that
• You are clear which sections You have requested and want
to be included;
• You understand what each section covers and does not cover;
• You understand Your own duties under each section and under
the insurance as a whole.
Please contact Total Landlord Insurance immediately if this document is not correct, does not meet Your requirements or if You would like to ask any questions.
Cancellation of this Insurance
Your Statutory right to cancel this insurance within 14 days
You are entitled to cancel this insurance by contacting Total
Landlord Insurance within 14 days of
either:-• The date You receive Your policy documentation; or
• The start of the Period of Insurance
whichever is the later. Providing You have not made any
claims We will refund the premium, but may charge You an
administration fee.
Cancellation of this insurance after 14 days
1. You can also cancel this insurance at any time during the
Period of Insurance by contacting Total Landlord Insurance.
Any return premium due to You will depend on how long this
insurance has been in force.
We will not return more than 50% of the annual premium in the
event of You cancelling this insurance.
2. We can cancel Your policy by giving You 7 days written notice
at Your last known address if:
• We have identified serious grounds (such as the use or
threat of violence or aggressive behaviour against Our staff,
contractors or property)
• There is a change in risk occurring which increases the risk
under Your policy and which We are unable to insure
• You breach any terms and conditions of Your policy
Where possible, We will try to seek an opportunity to resolve
the matter with You.
This will not affect Your right to make a claim for any event that
happened before the cancellation date. If We cancel the policy We
will refund premiums already paid for the remainder of the current
Period of Insurance providing no claims have been made. 3. In the event of non-payment of the premium, this insurance will be
regarded as being cancelled from the date when payment was due.
Contact details for Total Landlord Insurance are shown
on Page 3 of this policy document.
If a claim has been submitted or there has been any incident likely
to give rise to a claim during the current Period of Insurance,
no refund for the unexpired portion of the premium will be given.
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Notice to the Insured
Your insurance is sold and administered by Total Landlord Insurance
Registered Office Premiere House 1st Floor Elstree Way Borehamwood WD6 1JH
Website: www.totallandlordinsurance.co.uk
Telephone: 0345 310 6300
In order to maintain a quality service, telephone calls may be monitored or recorded.
Total Landlord’s Tenants Contents Insurance is underwritten by Royal and Sun Alliance Insurance plc.
Royal and Sun Alliance Insurance plc are authorised and regulated by the Financial Conduct Authority. You can check this on the FCA’s
register by visiting the FCA’s website www.fca.org.uk/register or
by contacting the FCA on 0300 500 8082.
Total Landlord Insurance is a trading name of HFIS plc who are authorised and regulated by the Financial Conduct Authority. You can check this on the FCA’s register by visiting the FCA’s website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768. Please note that correspondence should not be sent directly to Royal and Sun Alliance Insurance plc, but must always be sent to Total Landlord Insurance who arranged this insurance for You.
In the event of You having to make a claim under this policy,
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Your total peace of mind
Royal and Sun Alliance Insurance plc are covered by the
Financial Services Compensation Scheme. You may be entitled to
compensation from the scheme if Royal and Sun Alliance Insurance
plc is unable to meet its obligations to you under contract. If you
were entitled to compensation under the scheme, the level and extent of the compensation would depend on the nature of the contract. Further information about the Scheme is available from the Financial Services Compensation Scheme, 7th Floor, Lloyds Chambers, Portsoken Street, London, E1 8BN, by telephoning 02078 927 300 and on their website www.fscs.org.uk
The Law Applicable To This Insurance
Under the Laws of the United Kingdom both You and We are free
to choose the law which applies to this contract to the extent
permitted by those laws. Unless You and We agree otherwise, the
law which applies to this insurance is the law which applies to the
part of the United Kingdom where the Premises are located.
We and you have agreed that any legal proceedings between you and
us in connection with this insurance will only take place in the courts
of the part of the United Kingdom in which the Premises are located.
Data Protection Act 1998 How we use your Information
Please read the following carefully as it contains important
information relating to the details that You have given Us. You
should show this notice to any other party related to this insurance.
Who we are
This product is underwritten by Royal & Sun Alliance Insurance plc.
You are giving your information to Royal & Sun Alliance Insurance plc,
which is a member of the RSA Group of companies (the Group).
In this information statement, ‘We’ Us’ and ‘Our’ refers to the
Group unless otherwise stated.
How your information will be used and who we share it with.
Your information comprises of all the details We hold about You
and Your transactions and includes information obtained from third parties.
If You contact Us electronically, We may collect Your electronic
information identifier e.g. Internet Protocol (IP) address or telephone number supplied by your service provider.
We may use and share Your information with other members
of the Group to help Us and them:
• Assess financial and insurance risks • Recover debt
• Prevent and detect crime
• Develop Our services, systems and relationships with You
• Understand Our customers’ requirements
• Develop and test products and services
We do not disclose Your information to anyone outside the
Group except:
• Where We have your permission; or
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• To credit reference and fraud prevention agencies that provide
a service to Us,Our partners or You; or
• Where We may transfer rights and obligations under
this agreement
We may transfer Your information to other countries on the basis
that anyone We pass it to provide an adequate level of protection.
In such cases, the Group will ensure it is kept securely and used only for the purpose for which you provided it. Details of the companies and countries involved can be provided on request.
Definitions
Wherever the following words appear in this insurance they will have the meanings shown below.
Bodily Injury
Includes death or disease.
Buildings
• The Home and its decorations.
• Fixtures and fittings attached to the Home.
Contents
Household goods and personal property, within the Home, which
are Your property or for which You are legally responsible.
Contents Includes
• Tenant’s fixtures and fittings
• Radio and television aerials, satellite dishes, their fittings and
masts which are attached to the Home
• Money up to £50 in total and Credit Cards up to £500 in total • Gold, silver, gold and silver plated articles, jewellery and furs up
to 20% of the sum insured for Contents (10% of the sum insured
for Contents for any one item) within the private dwelling • Personal Computers and laptop computers up to £500 in total • Office Equipment up to £1,500 or 20% of the sum insured for
Contents whichever is the less, within the Home Contents does NOT include
• Motor vehicles (other than garden machinery) caravans, trailers or watercraft or their accessories
• Any living creature • Any part of the Buildings
• Any property held or used for business purposes other than as defined under Office Equipment
• Any property insured under any other insurance • Property in the open
Credit Cards
Credit cards, charge cards, debit cards, bankers cards and cash dispenser cards.
Endorsement
A change in the terms and conditions of this insurance.
Excess
The amount shown in the schedule you have to bear in respect
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Heave
Upward and/or lateral movement of the site on which your
buildings stand caused by swelling of the ground.
Home
The private dwelling used for domestic purposes at the Premises
shown in the Schedule.
Landslip
Downward movement of sloping ground
Money
• Current legal tender, cheques, postal and money orders • Postage stamps not forming part of a stamp collection • Savings stamps and savings certificates, travellers’ cheques • Premium bonds, luncheon vouchers and gift tokens all held
for private or domestic purposes.
Occupant
You or persons authorised by You to stay in the Home overnight.
Office Equipment Office Equipment includes:
Computers and Home office equipment belonging to You and used
in conjunction with Your business at the Home.
Office Equipment does NOT include:
• Property more specifically insured by any other insurance
• Compensation for You not being able to use the computer or any
equipment following loss or damage • Loss of magnetism or corruption of data • The equipment being confiscated or repossessed
• Loss of or damage to computer software, software tapes / disks / CD Roms, and any data stored
• Any Money held for business purposes
Period of Insurance
The length of time for which this insurance is in force, as shown in the Schedule and for which You have paid and We have accepted a premium.
Personal Possessions Personal Possessions includes:
Clothing, baggage, sports equipment, portable computer equipment and other similar items normally carried about the
person and all of which belong to You.
Personal Possessions does NOT include: • Money and credit cards
• Pedal cycles
Premises
The address which is named in the Schedule.
Property in the Open
Contents that are within the premises but not contained within the
home or outbuildings at the time of loss or damage.
Sanitary Ware
Washbasins, sinks, bidets, lavatory pans and cisterns, shower trays, shower screens, baths and bath panels.
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Schedule
The Schedule is part of this insurance and contains details of You, the Premises, the sums insured, the Period of Insurance and the sections of this insurance which apply.
Subsidence
Downward movement of the site on which Your Buildings stand
by a cause other than the weight of the Buildings themselves.
Terrorism
Any act(s) of any person(s) or organisation(s) involving • The causing, occasioning or threatening of harm of whatever
nature and by whatever means
• Putting the public or any section of the public in fear in circumstances in which it is reasonable to conclude that the purpose(s) of the person(s) or organisation(s) concerned are wholly or partly of a political, religious, ideological or similar nature.
Total Landlord Insurance
Total Landlord Insurance is a trading name of HFIS Plc.
United Kingdom
The ‘United Kingdom’ includes England, Wales, Scotland, Northern
Ireland, the Isle of Man and the Channel Islands, and journeys between these countries.
Valuables
• Jewellery • Furs
• Gold, silver, gold and silver plated articles
Which are Your property or for which You are legally responsible.
We / Us / Our
Royal and Sun Alliance Insurance plc
You / Your / Insured
The person or persons named in the Schedule and all members
of their family who permanently live in the Home.
General Conditions
applicable to the whole
of this Insurance
Each Home included under this insurance is considered to be
covered as if separately insured.
Minimum Security Clause
This insurance does not cover theft from the private dwelling of the
Home unless the undernoted minimum protections are fitted: Domestic Houses: External Doors must be fitted with 5 Lever Mortice deadlocks or multi-point deadlocks (conforming to British Standard BS3621)
Flats & Maisonettes: The main entrance door to your Flat/ Maisonette must be fitted with 5 Lever Mortice deadlocks or multi-point deadlocks (conforming to British Standard BS3621)
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Student Halls of Residence & Bedsits: The main entrance door to your room must be fitted with a key-operated lock.
Patio Doors: In addition to a central locking device, key operated bolts to top and bottom opening sections.
Windows: Key operated security locks to all ground floor and other accessible windows.
It is Your duty to ensure that all the above protections are
maintained in good working order and are in full and effective
operation whenever You are absent from the Premises.
If You fail to comply with the above duties this insurance will become
invalid in respect of loss or damage resulting from unauthorised entry.
Information and changes we need to know about
You must take all reasonable care to provide complete and
accurate answers to the questions we ask when you take out,
make changes to and renew your policy.
Please tell Total Landlord Insurance within 14 days of you becoming
aware of any changes to the information you provided when applying
for this insurance. Please contact Total Landlord Insurance if you
require a copy of your Statement of Facts document or schedule.
1. You must take all reasonable steps to prevent loss, damage or
an accident and keep the buildings in a good state of repair.
2. You must tell Total Landlord Insurance within 14 days of you becoming aware:
• of any intended alterations, extension or renovation to the
buildings. You do not need to tell us about internal alterations
to the buildings,
• of any change of people insured, or to be insured,
• of any change to the use of the home. For example, if the
buildings are to be lent, let, sub-let, or used for business purposes (other than occasional clerical work),
• of any change to the occupancy of the buildings. For example,
if the buildings are to stop being your permanent residence
or are to be left without an Occupant for more than 30
consecutive days in length,
• that any member of Your household or any person to be
insured by this policy is convicted of a criminal offence (other than motoring offences), or
• of any change that may result in an amendment to the
amounts insured or the limits that are shown in Your Schedule.
3. You must keep the sums insured at a level which represents
the full value of the property. Full value should represent:
• For contents – the current cost as new.
• For personal possessions – the current cost as new.
• For valuables – the current market value
If you are in any doubt, please contact Total Landlord Insurance.
When we are notified of a change, we will tell you if this affects
your insurance. For example, whether we are able to accept the
change and if so, whether the change will result in revised terms
and/or a revised premium being applied to your insurance. If we are
not able to accept the change and it becomes necessary to cancel
this insurance, we will do so as described within the Cancellation
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Important Notice:
Please note that if the information provided by you is not complete
and accurate, we may:
• cancel your policy and refuse to pay a claim; or
• not pay a claim in full; or
• revise the premium and/or change any Excess; or
• revise the extent of cover or terms of this insurance.
General Exclusions
applicable to the whole
of this Insurance
a) Radioactive Contamination and Nuclear Assemblies Exclusion We will not pay for
1. Loss or destruction of or damage to any property whatsoever, or any loss or expenses whatsoever resulting or arising there from; and
2. Any legal liability of whatsoever nature, directly or indirectly caused by or contributed to by or arising
from:-i) Ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel,
ii) The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
b) War Exclusion
We will not pay for any loss or damage or liability directly or
indirectly occasioned by, happening through or in consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, or confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any government or public or local authority.
c) Existing and Deliberate Damage
We will not pay for loss or damage
• Occurring outside of the Period of Insurance
• Caused deliberately by You or any person lawfully in the Home
d) Electronic Data Exclusion
We will not pay for
1. Loss or destruction of or damage to any property whatsoever, or any loss or expenses whatsoever resulting or arising therefrom; and
2. Any legal liability of whatsoever nature, directly or indirectly caused by or contributed to by or arising from
:-i) computer viruses, erasure or corruption of electronic data; ii) the failure of any equipment to correctly recognise the
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For the purposes of this exclusion “computer virus” means a corrupting instruction from an unauthorised source that propagates itself via a computer system or network.
e) Biological and Chemical Contamination Exclusion
We will not pay for
1. Loss or destruction of or damage to any property whatsoever, or any loss or expenses whatsoever resulting or arising therefrom, 2. Any legal liability of whatsoever nature
and
3. Death or injury to any person directly or indirectly caused by or contributed to by biological or chemical contamination arising from
i) Terrorism,
ii) Steps taken to prevent, suppress, control or reduce the consequences of any actual, attempted, threatened,
suspected or perceived act of Terrorism.
f) Unoccupancy
If Your Home is left without an authorised Occupant for more
than 30 consecutive days/ nights without Our written agreement
this insurance will cover Fire/Lightning/Aircraft/Explosion and Earthquake only with immediate effect. This clause does not apply if an alternative unoccupancy clause has been agreed and
is specified in the Schedule.
g) Contracts (Rights of Third Parties) Act 1999 Clarification Clause
A person who is not a party to this insurance has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this insurance but this does not affect any right or remedy of a third party which exists or is available apart from that Act.
h) Indirect Loss or Damage
We will not pay for any loss or damage that is not directly
associated with the incident that caused You to claim, except where
the loss or damage is expressly included within this insurance
i) Excess
We will not pay the Excess shown in the Schedule
j) Government Financial Sanctions
We will not provide any cover or be liable to provide any indemnity,
payment or other benefit under this policy where doing so would breach any prohibition or restriction imposed by law or regulation. If any such prohibition or restriction takes effect during the
period of insurancewe may cancel this policy immediately
by giving you written notice at your last known address. If we
cancel the policy we will refund premiums already paid for
the remainder of the current periodof insurance, provided
no claims have been paid or are outstanding.
k) Pollution or Contamination
We will not pay for any claim or expense of any kind directly or
indirectly caused by or arising out of pollution or contamination unless caused by:
- a sudden unexpected incident, or
- oil or water escaping from a fixed oil or fixed water installation. and which was not the result of any intentional act, and, which
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All pollution or contamination which arises out of one incident shall be deemed to have occurred at the time such an incident takes place.
l) Wear, Tear and Gradually Operating Causes
We will not pay for any loss, damage, liability, cost or expense
of any kind directly or indirectly caused by or resulting from wear and tear, depreciation, corrosion, rusting, damp, rising damp, rising water table, rot, insects, vermin, fungus, condensation, fading, frost or anything that happens gradually, the process of cleaning, dyeing, repair, alteration, renovation, restoration or anything reaching the end of its serviceable life.
m) Defective design or construction
We will not pay for any loss, damage, liability, cost or expense
of any kind caused by or resulting from poor or faulty design, workmanship or use of faulty materials.
Making a Claim and Claims
Conditions applicable to
the whole of this Insurance
Naturally We hope You won’t have any accidents or misfortune,
but if You do, the following procedure should be followed.
First of all, check Your Schedule and the relevant section in this
booklet to make sure that the loss or damage is covered. Read carefully any exceptions or conditions that may apply and refer to the ‘Your duties’ section outlined below. Please remember that this insurance does not cover loss or damage which has been caused purely by wear and tear –it is not a maintenance contract. If You wish to make a claim, please contact the Claims Department as soon as possible at the address and phone number shown in
Your Schedule.
You will be asked for the policy number stated on Your Schedule.
The Claims Department will take full details of Your claim and let
You know what You need to do next. In some cases this will mean
the involvement of an independent loss adjuster who will make
sure that Your claim is settled fairly and satisfactorily.
Your duties In the event of a claim or possible claim under this insurance
1. You must provide the claims department with any other information they require within 30 days of their request.
2. You must forward to the claims department within 3 days, any
letter, claim, writ, summons or other legal document You receive
if a claim for liability is made against You. You must forward all
information unanswered.
3. You must inform the police immediately You become aware following malicious acts, violent disorder, riots or civil commotion, theft, attempted theft or lost property.
4. You must not admit liability or offer or agree to settle any claim
without the written permission of the claims department.
5. You must provide the claims department with, at Your own
expense, reasonable evidence of value or age (or both) for all items involved in a claim.
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6. You must take all reasonable care to limit any loss, damage
or injury.
7. You must not dispose of or repair any damaged property before
We have had the opportunity to inspect it or You have been
advised by the claims department to dispose of it.
If You fail to comply with any of the above duties this may invalidate a claim.
How We deal with
Your Claim
1. Defence of claims We may
• Take full responsibility for conducting, defending or settling
any claim in Your Name.
• Take any action We consider necessary to enforce Your rights
or Our rights under this insurance.
2.Other insurance
We will not pay any claim if any loss, damage or liability covered
under this insurance is also covered wholly or in part under any other insurance except in respect of any excess beyond the amount which would have been covered under such other insurance had this insurance not been effected.
3. Fraudulent claims
You must not act in a fraudulent manner.
If You or anyone acting with
You:-• Makes a claim under the policy knowing the claim to be false or fraudulently exaggerated in any respect, or
• Makes a statement in support of a claim knowing the statement to be false in any respect or submit a document in support of a claim knowing the document to be forged or false in any respect, or
• Makes a claim in respect of any loss or damage caused by
Your wilful act or connivance
Then:-• We shall not pay the claim
• We shall not pay any other claim which has been or will be made
under the policy
• We may at Our option declare the policy void
• We shall be entitled to recover from You the amount of any
claim already paid under the policy since the last renewal date
• We shall not return any premium
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What is covered What is not covered
This insurance covers the contents
for damage directly caused by: We will not pay
1. Fire, lightning, explosion or earthquake
2. Aircraft and other flying devices or items dropped from them
3. Storm, flood or weight of snow Damage caused by a rise in the water table (the level below
which the ground is completely saturated with water)
4. Escape of water from fixed water
tanks, apparatus or pipes a) loss or damage while the enough to be normally lived inbuildings are not furnished
b) Loss or damage caused by failure of or lack of sealant and/or grout
5. Escape of oil from a fixed domestic oil-fired heating installation and smoke damage caused by a fault in any fixed domestic heating installation
6. Theft or attempted theft a) for loss or damage unless the loss or damage is caused
by a violent and/or forcible entry
b) any amount over £250 within detached domestic outbuildings and garages
7. Collision by any vehicle or animal 8. Any person taking part in a riot,
violent disorder, strike, labour disturbance, civil commotion or acting maliciously
9. Subsidence or heave of the site
upon which the Buildings stand
or landslip
a) for loss or damage following damage to solid floors unless the walls of the private dwelling are damaged at the same time by the same event
b) for loss or damage which but for the existence of this insurance would be covered under any contract or a guarantee or by law
c) for loss or damage whilst the Buildings are undergoing any structural repairs, alterations or extensions
d) for loss or damage by coastal erosion
Section 1: Contents
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Section 1: Contents (continued)
The following cover applies only if the Schedule shows that it is included.
This section of the insurance
also covers We will not pay
A) accidental breakage of • fixed glass and double glazing • Sanitary Ware
• mirrors
• glass tops and fixed glass in furniture
• ceramic hobs
forming part of the Buildings, or for
which You are legally liable as a tenant
and do not have any other insurance.
a) for the cost of repairing, removing or replacing frames b) any amount over 10% of the sum insured under section one.
B) rent You have to pay as occupier
if the Home cannot be lived in
following loss or damage which is covered under section one
any amount over 20% of the sum insured under section one for the Contents of the Buildings damaged or destroyed
C) costs of using other
accommodation, substantially
the same as Your existing
accommodation, which You have
to pay for if the Home cannot be
lived in following loss or damage which is covered under section one
any amount over 20% of the sum insured under section one for the Contents of the Buildings damaged or destroyed
D) Your legal responsibility as a tenant for loss or damage to the Buildings caused by loss or damage which is covered under section one
a) any amount over 15% of the sum insured under section one for the Contents of the Buildings damaged or destroyed b) for loss or damage caused by fire, lightning or explosion to
the Buildings other than to the landlord’s fixtures or fittings c) for loss or damage arising from subsidence, heave or landslip d) for loss or damage caused by any person taking part in
a riot, violent disorder, strike, labour disturbance, civil commotion or acting maliciously
e) for loss or damage while the Buildings are not furnished enough to be normally lived in
E) the cost of repairing accidental damage caused by external and visible means from a single identifiable event to
• domestic oil pipes
• underground water-supply pipes • underground sewers, drains and
septic tanks • underground gas pipes • underground cables
for which You are legally liable
as tenant only
F) costs You have to pay for
replacing locks to safes, alarms
and outside doors in the Home
following theft or loss of Your keys
any amount over £250 in total
G) increased domestic metered water
charges You have to pay following
an escape of water which gives rise to an admitted claim under number 4 of section one
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Section 1: Contents (continued)
This extension covers We will not pay
Accidental damage to the Contents
within the Home a) for damage or any proportion of damage which We specifically exclude elsewhere under section one
b) for damage to Contents within garages and outbuildings c) for damage or deterioration of any article caused by dyeing,
cleaning, repair, renovation or whilst being worked upon d) for damage caused by chewing, tearing, scratching
or fouling by animals
e) for Money, Credit Cards, documents or stamps f) for damage to contact, corneal or micro corneal lenses g) for damage while the Home is lent, let or sub let h) for damage from mechanical or electrical faults or
breakdown
i) for damage caused by dryness, dampness, extremes of temperature and exposure to light
Accidental damage to the Contents
The following applies only if the Schedule shows that Accidental Damage to the Contents is included.
This section of the insurance
also covers We will not pay
H)the cost of replacing Your food in
Your fridge or freezer if it is spoiled
due to a change in temperature or contaminated by refrigeration fumes
a) for loss or damage caused by any electricity or gas company cutting off or restricting Your supply
b) for loss or damage due to the failure of Your electricity or gas supply caused by a strike or any other industrial action c) any amount over £250 in total
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Conditions that apply to
Section 1 (Contents) only
Settling claims
How We deal with Your claim
1. If You claim for loss or damage to the Contents We will at
Our option repair, replace or pay for any article covered under
section one.
For total loss or destruction of any article We will pay You the
cost of replacing the article as new, as long as: • the new article is as close as possible to but not an
improvement on the original article when it was new; and
• You have paid or We have authorised the cost of replacement.
The above basis of settlement will not apply to clothes where
We will take off an amount for wear and tear and depreciation.
2. We will not pay the cost of replacing or repairing any undamaged
parts of the contents which form part of a pair, set or suite or part
of a common design or function when the loss or damage is restricted to a clearly identifiable area or to a specific part. Your sum insured
3. We will not reduce the sum insured under section one after
We have paid a claim as long as You agree to carry out Our
recommendations to prevent further loss or damage.
4. If You are under insured, which means the cost of replacing or
repairing the Contents at the time of the loss or damage is more
than Your sum insured for the Contents, then We will only pay
a proportion of the claim. For example if Your sum insured only
covers one half of the cost of replacing or repairing the Contents,
We will only pay one half of the cost of repair or replacement.
5. Index-linking clause. The sums insured in section one
(Contents) will be indexed each month in line with the Consumer Durables Section of the General Index of Retail Prices or a similar
index selected by Us.
We will not charge You an extra premium for any monthly
increase, but at each renewal We will calculate the premium
using the new sums insured. For Your protection should the
index fall below zero We will not reduce the sum insured.
Limit of insurance
We will not pay any more than the sum insured for the Contents
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Section 2: Accidents to Domestic Staff
This section applies only if the Contents are insured under section one.
What is covered What is not covered
We will indemnify You We will not indemnify You
for amounts You become legally
liable to pay, including costs and
expenses which We have agreed in
writing, for Bodily Injury by accident
happening during the Period of
Insurance anywhere in the world to Your domestic staff employed in
connection with the Premises shown
in the Schedule
for Bodily Injury arising directly or indirectly • from any vehicle outside the Premises
• from any vehicle used for racing, pacemaking or speed testing
• from any communicable disease or condition • in Canada or the United States of America after the
total period of stay has exceeded 30 days in the Period of Insurance
Limit of Insurance
We will not pay more than £5,000,000 for any one accident or series of accidents arising out of any
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What is covered What is not covered
We will indemnify You We will not indemnify You for any liability
(i) as occupier for any amounts You
become legally liable to pay as damages for
• Bodily Injury
• damage to property
caused by an accident happening
at the Premises during the Period
of Insurance,
OR
(ii) as a private individual for any
amounts You become legally
liable to pay as damages for • Bodily Injury
• damage to property
caused by an accident happening anywhere in the world during the
Period of Insurance
a) for Bodily Injury to • You
• any other permanent member of the Home
• any person who at the time of sustaining such injury is engaged in Your service
b) for Bodily Injury arising directly or indirectly from any communicable disease or condition
c) arising out of any criminal or violent act to another person d) for damage to property owned by or in the charge or control of
• You
• any other permanent member of the Home
• any person engaged in Your service
e) in Canada or the United States of America after the total period of stay in either or both countries has exceeded 30 days in the Period of Insurance
f) arising directly or indirectly out of any profession, occupation, business or employment
g) which You have assumed under contract and which would not otherwise have attached
h) arising out of Your ownership, possession or use of: i) any motorised or horsedrawn vehicle other than: • domestic gardening equipment used within
the premises and
• pedestrian controlled gardening equipment used elsewhere
ii) any power-operated lift
iii) any aircraft or watercraft other than manually operated rowing boats, punts or canoes
iv) any animal other than cats, horses, or dogs which are not designated as dangerous under the Dangerous Dogs Act 1991
i) in respect of any kind of pollution and/or contamination other than:
• caused by a sudden, identified, unexpected and unforeseen accident which happens in its entirety at a specific moment of time during the Period of Insurance at the Premises
named in the Schedule; and
• reported to Us not later than 30 days from the end of the
Period of Insurance; in which case all such pollution and/ or contamination arising out of such accident shall be deemed to have happened at the time of such accident j) arising out of Your occupation, possession or use of any land
or building that is not within the premises
k) if You are entitled to indemnity under any other insurance, including but not limited to any horse or travel insurance, until such insurance(s) is exhausted
l) arising out of your ownership of any building
Section 3: Legal Liability to the Public
This section applies only if the Schedule shows that the Contents are insured under section one of this insurance.
Limit of insurance
We will not pay
• in respect of pollution and/or contamination:- more than £1,000,000 in all
• in respect of other liability covered under section three:- more than £1,000,000 in all for any one accident or
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Section 4: Valuables and
Personal Possessions
The following cover applies only if the Schedule shows that it is included.
What is covered What is not covered
This insurance covers We will not pay Valuables and Personal Possessions
listed in the Schedule (or specification(s)
attached) against physical loss or damage within the geographical limits
shown in the Schedule
a) for damage from electrical or mechanical faults or breakdown b) any amount over £500 for any one item unless stated
otherwise in the Schedule or the specification(s) attached to the Schedule
c) for damage or deterioration of any article caused by dyeing, cleaning, repair, renovation or whilst being worked upon d) for damage to guns caused by rusting or bursting of barrels e) for breakage of any sports equipment whilst in use f) for any loss of or damage to contact, corneal or micro
corneal lenses
g) for theft or disappearance of jewellery from baggage unless such baggage is carried by hand and under Your
personal supervision
h) for mobile telephones and hand-held audio visual devices i) any amount over £250 in total in respect of theft or
disappearance of property from any vehicle when such vehicle is left unattended without an authorised occupant
What is covered What is not covered
Section four of this insurance
extends to cover the following We will not pay
• theft or accidental loss of Money
• any amounts which You become
legally liable to pay as a result of unauthorised use following loss or
theft of Your Credit Card(s)
within the geographical limits shown
in the Schedule, provided that within
24 hours of Your discovering any
such loss or theft, You have notified
the police and, in the case of Credit
Card(s), the card issuing company.
Where You have reported Your
Credit Card(s), cheque card or cash dispenser card for unauthorised or fraudulent use, in most
circumstances You will only be liable
for the first £50 of the claim.
a) to make up any shortages due to error or omission b) for loss of value
c) any amount over £50 in total for money
d) any amount over £500 for credit cards
e) for loss where conditions under which Your Credit Card(s)
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Conditions that apply to
Section 4 (Valuables and
Personal Possessions) only
Settling claims
How We deal with Your claim
1. We will at Our option repair, replace or pay for any article lost or damaged.
2. If any insured item which is part of a pair or set and has
an insured value of £500 or over:
• We will not pay for the cost of replacing any undamaged
or remaining items that form part of such pair or set.
• We will not pay more than the proportion that the lost or
damaged item bears to the insured value of such pair or set. Your sum insured
3. If the total value of unspecified items at the time of the loss
or damage is more than Your sum insured for such items, then
We will only pay for a proportion of the claim.
For example if Your sum insured only represents one half of the
total value of unspecified items We will only pay one half of the
cost of repair or replacement.
However, if Personal Possessions are lost or damaged away
from the Home We will not take account of the value of Personal
Possessions in the Home at the time of such loss or damage.
Limit of insurance
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Section 5: Pedal Cycle Cover
The following cover applies only if the Schedule shows that it is included.
What is covered What is not covered
Section one of this insurance
extends to cover the following We will not pay
the cost of repairing or replacing
Your pedal cycles following:
• theft or attempted theft • accidental damage
anywhere in the United Kingdom
a) for loss or damage to: • tyres,
• lamps, • accessories,
unless the cycle is stolen or damaged at the same time b) for damage from mechanical or electrical faults or
breakdown
c) for loss or damage while the cycle is used for racing or pacemaking or is let out on hire or is used other than for private purposes
d) to replace a stolen cycle unless it was locked to an immovable object or kept in a locked building at the time of the theft
e) more than £500 for any one cycle
Limit of insurance
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Endorsements
The following clauses apply only if they are mentioned in the schedule.
1) Hotel and motel clause
This insurance does not cover theft or disappearance
of jewellery from hotel or motel rooms during Your absence
from such rooms. 2) Safe clause
This insurance does not cover theft of jewellery from the Home
unless the jewellery is kept in a locked safe whilst not being worn. 3) Keys clause
This insurance does not cover theft of jewellery from safe(s)
unless You have removed the keys of the safe(s) from the
Home while You are absent from the Premises.
4) Alarm clause
This insurance does not cover theft when You have left the
premises without an authorised Occupant, unless: a) at all such times the intruder alarm has been put into full
and effective operation, and
b) the intruder alarm is kept in good working order throughout the Period of Insurance under a maintenance contract with a company which is a member of NSI (National Security Inspectorate).
5) Climatic conditions clause
This insurance does not cover loss or damage caused by dryness, dampness, extremes of temperature or exposure to the light.
6) Musical instruments clause
This insurance is extended to include loss or damage to the
musical instruments specified in the Schedule, but does not cover:
a) loss or damage caused by moth, vermin, wear, tear and gradual deterioration, scratching, denting;
b) any loss caused by mechanical and / or electrical derangement unless such derangement arises solely from external causes;
c) breakage of strings, reeds or drum heads;
d) any loss or damage caused by cleaning or repairing or atmospheric conditions.
7) Contact Lens clause
Section 4 (Valuables and Personal Possessions) is extended to
include loss or damage to contact lenses, but We will not cover
a) loss or damage while You are swimming or involved in any
other water sports;
b) loss or damage while You are in water.
8) Hearing Aids clause
Section 4 (Valuables and Personal Possessions) is extended
to include loss or damage to hearing aids, but We will not cover
a) loss or damage while You are swimming or involved in any
other water sports;
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9) Stamp collections clause
We will only pay up to 75% of the Stanley Gibbons valuation in
respect of any stamps that are lost or damaged. 10) Coin Collections clause
We will only pay up to 75% of the Spinks & Son valuation in
respect of any coins that are lost or damaged. 11) Contractors exclusion clause
This insurance does not cover loss, damage or liability arising out of the activities of contractors.
12) Subsidence, heave or landslip exclusion clause
Subsidence or heave of the site upon which the Buildings stand
or landslip is not covered by this insurance. 13) Flood exclusion clause
We will not pay for loss or damage caused by flood other than directly resulting from escape of water from fixed water tanks, apparatus or pipes as shown in number 4 of section one. 14) Protections clause
It is Your duty to ensure that all protections provided for the
security of the Home and Contents:
• are maintained in good working order, and
• are in full and effective operation with the keys removed
whenever You are absent from the premises.
• are not withdrawn or varied without Our consent
If You fail to comply with the above duties this insurance will
become invalid in respect of loss or damage resulting from unauthorised entry.
15) Unattended vehicles clause
This insurance does not cover theft or disappearance of property from any vehicle when such vehicle is left unattended without an authorised occupant.
16) Unoccupancy clause
If You leave the Home without an Occupant for more than
30 consecutive days We will not pay
a) the first £250 of each and every claim b) for loss or damage in respect of
• Money and Credit Cards
• Valuables
• televisions, satellite decoders • audio and video equipment • radios
• Home computers, video cassette recorders • Office Equipment
c) for loss or damage directly caused by escape of water from and frost damage to fixed water tanks, apparatus or pipes unless:-i) the water supply is switched off at the mains and the
entire water system and central heating system are drained of all water
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or
ii) where the entire Home has the benefit of a central
heating system it is set to operate continuously for 24 hours of each day and the thermostat set at not less than 10 degrees Celsius/50 degrees Fahrenheit. Where fitted the loft hatch door is left open.
Note: Before We pay a claim following loss or damage resulting from Escape of Water and frost damage to fixed water tanks, apparatus or pipes We may at Our option ask You to provide any bills for utilities being supplied to the Home at the time of such loss.
17) Child Minders Clause (Contents Section)
It is hereby noted and agreed that whilst the Home is being
used as a Nursery, supervising infants within Your care, this
insurance will not cover Accidental Damage and we will not
pay for any theft/loss unless following forcible and violent entry
or exit. It is further noted and agreed that in respect of Your
activities as a childminder, Liability cover as defined in sections 2 and 3 is specifically excluded.
18) Notice Clause
You must immediately give notice to Total Landlord
Insurance in the event of any changes in the tenancy,
occupation or use of the Home.
19) Fire Extinguisher/Smoke Alarm Clause
It is Your duty to ensure
that:-• two serviceable fire extinguishing appliances, including one specifically designed for electrical fires,
• one fire blanket within the kitchen and
• two smoke alarms
are fitted within the Home
If You fail to comply with any of the above duties this insurance may become invalid in respect of loss or damage caused by fire.
20) High Value Cycle Endorsement:
We will not pay for theft of pedal cycles with a value of more
than £500 unless at the time of the
theft:-• the pedal cycle was in the Home and
i) all the protections for the Home were in full and
effective operation, and
ii) if in a garage, shed or outbuilding, that the pedal cycle was securely chained to the building structure or
• the pedal cycle was away from the Home and kept in and
securely chained to a locked garage or private dwelling built of brick, stone or concrete and roofed with slates tiles, metal or concrete.
21) Business use extension clause
Section Three extends to include Your legal liability, as defined
in that section, for using the Home for the business purposes
detailed in the Schedule. However, We will not cover any liability
arising out of advice given or services rendered in respect of